What Does Comprehensive Insurance Cover?

What does comprehensive auto insurance cover? If you’re getting ready to purchase your next new car, it’s something you’ll want to know. Comprehensive auto coverage protects against damage to your car that has not resulted from a collision. If your vehicle is lost, stolen, vandalized, or hit by a falling object, drivers who make a comprehensive claim can have their insurance company pick up the tab. In most cases, comprehensive auto insurance will also cover a cracked or broken windshield, along with other forms of glass damage. Learn more about what comprehensive auto insurance covers below, and contact Superior Dodge Chrysler Jeep Ram Of Northwest Arkansas near Fayetteville if you have any questions.

What Does Comprehensive Auto Insurance Cover?

Comprehensive auto insurance covers non-collision damage to your vehicle, including vehicle theft, windshield or glass damage, vandalism, falling objects, severe weather, and animal-related incidents. While insurance details may vary by provider, here’s what you can generally expect:

• Vehicle theft
• Windshield/glass damage
• Vandalism, fire, explosions
• Falling objects like trees
• Storms, wind, hail, floods, lightning, earthquakes
• Hitting a deer/other animal-related accidents

Keep in mind that if you swerve to avoid hitting a deer on the road and end up hitting a car or a tree, then this would be covered by collision insurance instead.

How Does Comprehensive Insurance Coverage Work?

Comprehensive insurance coverage works by requiring you to file a claim after your vehicle acquires covered damage, allowing your provider to cover repair costs after you pay your deductible. Now that you know what comprehensive insurance covers, let’s discuss how the process works in detail:

• Your car acquires covered damage: Let’s say an earthquake causes $5,000 worth of damage to your vehicle
• You file an insurance claim: You’ll need to file a claim in order to get coverage. This will depend on your provider, but typically you can file online, by phone, or via a mobile app.
• Take your vehicle in for repairs: If you have a $1,000 deductible, you’ll need to pay $1,000 out of pocket for the damage, and your insurance will cover the remaining $4,000 worth of damage.

What Is the Difference Between Comprehensive and Collision Insurance?

The difference between comprehensive coverage and collision coverage is that collision insurance specifically covers car accidents, while comprehensive insurance covers events outside of your control. Many drivers in Springdale and beyond mix up the two. While both types of insurance cover your vehicle, they cover different events.

• Collision insurance specifically covers car accidents
• Comprehensive insurance covers events that are outside of your control

Essentially, if the incident doesn’t have to do with an actual car accident, the damage will likely be covered by comprehensive car insurance. As noted, the one gray area is an animal collision. Depending on whether a collision is involved in the incident, this may fall under either collision or comprehensive insurance coverage.

How Can You Rely on Superior Dodge Chrysler Jeep Ram Of Northwest Arkansas for Your Finance Needs?

You can rely on Superior Dodge Chrysler Jeep Ram Of Northwest Arkansas for your finance needs by reaching out to our dedicated finance department near Bentonville or utilizing our online purchasing resources. If you have more to learn about comprehensive insurance coverage, contact the finance department at Superior Dodge Chrysler Jeep Ram Of Northwest Arkansas near Bentonville, or continue your research by comparing the benefits of leasing vs. financing! If you don’t have much time to research, our team is happy to walk you through the entire purchasing process.

Frequently Asked Questions

Below are answers to frequently asked questions about comprehensive auto insurance coverage and financing at Superior Dodge Chrysler Jeep Ram Of Northwest Arkansas.

What events are covered under comprehensive auto insurance?
Comprehensive auto insurance generally covers non-collision events including vehicle theft, windshield and glass damage, vandalism, fire, explosions, falling objects like trees, severe weather storms, and hitting animals.

What is the difference between comprehensive and collision auto insurance?
Collision insurance specifically covers car accidents involving other vehicles or objects, while comprehensive insurance covers non-collision damage outside of your control, such as theft, weather, or vandalism.

How do deductibles work when filing a comprehensive insurance claim?
When you file a claim for covered damage, you pay your selected deductible out of pocket, and your insurance provider covers the remaining balance of the repair costs.